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WASHINGTON — They use words like “historic” and “charismatic,” phrases like “great potential” and “million-dollar smile.” They notice audience members moved to tears by an American-dream-come-true success story. When they look at the cold, hard political math, they get uneasy.

An incipient sense of anxiety is tugging at some Democrats — a feeling tersely captured in four words from a blog post written recently by a seasoned party strategist in Florida: “Marco Rubio scares me.”

What is so unnerving to them at this early phase of the 2016 presidential campaign still seems, at worst, a distant danger: the prospect of a head-to-head general-election contest between Mr. Rubio, the Republican senator from Florida, and Hillary Rodham Clinton.

Yet the worriers include some on Mrs. Clinton’s team. And even former President Bill Clinton is said to worry that Mr. Rubio could become the Republican nominee, whittle away at Mrs. Clinton’s support from Hispanics and jeopardize her chances of carrying Florida’s vital 29 electoral votes.

Democrats express concerns not only about whether Mr. Rubio, 43, a son of Cuban immigrants, will win over Hispanic voters, a growing and increasingly important slice of the electorate. They also worry that he would offer a sharp generational contrast to Mrs. Clinton, a fixture in American politics for nearly a quarter-century who will turn 69 before the election.

As her supporters recall, Barack Obama beat Mrs. Clinton for the nomination in the 2008 elections after drawing similar contrasts himself.

Patti Solis Doyle, who ran Mrs. Clinton’s presidential campaign for most of the 2008 contest, said Mr. Rubio “could have the ability to nip away at the numbers for the Democrats.”

Ms. Doyle, the first Hispanic woman to manage a presidential campaign, added that Mr. Rubio could allow Republicans to regain a “reasonable percentage” of the Hispanic vote. In 2012, just 27 percent of Hispanics voted for the Republican candidate, Mitt Romney.

Mr. Rubio “is a powerful speaker,” Ms. Doyle added. “He is young. He is very motivational. He has a powerful story.”

Recognizing how essential it is to win Hispanic support, Mrs. Clinton has gone further in laying out an immigration policy than she has on almost any other issue, saying that she would extend greater protections to halt deportations of people in the United States illegally. She has also hired a former undocumented immigrant to lead her Latino outreach efforts.

Her own strategists, their allies in the “super PACs” working on her behalf and the Democratic Party all say they see plenty of vulnerabilities in Mr. Rubio’s record and his views. And they are trying to shape the perception people have of him while polls show that he is still relatively unknown: Yes, the Democratic National Committee said in a recent memo, Mr. Rubio was a fresh face, but one “peddling a tired playbook of policies that endanger our country, hurt the middle class, and stifle the American dream.”

So far, Democrats who have combed over Mr. Rubio’s voting record in the Senate have seized on his opposition to legislation raising the minimum wage and to expanding college loan refinancing, trying to cast him as no different from other Republicans.

The subtext: He may be Hispanic, but he is not on the side of Hispanics when it comes to the issues they care about.

Democrats will try to use Mr. Rubio’s youth and four-year career in national politics against him, depicting him as green or naïve — a liability at a time when unrest abroad is a top concern. “A Dan Quayle without the experience,” suggested Christopher Lehane, a veteran strategist who has worked for the Clintons.

Bill Richardson, the former governor of New Mexico, who is of Mexican heritage, said Democrats would also make an issue of Mr. Rubio’s mixed record on how to overhaul the immigration system: He initially supported a Senate bill to grant people in the United States illegally a path to citizenship, but he later backed down.

Mr. Richardson said that would poison his chances with Hispanic voters. “His own Hispanic potential would defeat him,” he said.

Well, if anyone knows how to "poison" a presidential race it's Bill Richardson.